Commercial Banking Officer

Manage and grow a portfolio of commercial banking customers by providing lending, depository, cash management, merchant processing, and retail solutions. Act as an active team player within the Bank, focusing on customer and community needs while promoting the Bank’s products and services.

Responsibilities

• Originate, underwrite, and close commercial loans for existing and new customers in adherence to Chelsea State Bank policy, procedures, and regulatory requirements.
• Monitor existing loan portfolio to ensure high credit quality, handle renewals, and mitigate risks, including monitoring past-due accounts.
• Monitor and enforce collection activities on past-due loans and develop workout plans with the credit team and leadership.
• Work with outside professionals (e.g., attorneys, accountants, appraisers) to evaluate loan closings.
• Foster new business by actively calling on prospects and customers for commercial loans and other banking solutions, including depository and cash management services, to establish primary banking relationships.
• Maintain an active presence in the community by attending social events, volunteering for Bank and local nonprofit organizations, and participating in community-focused activities.
• Comply with all bank policies, regulations, and laws applicable to duties and responsibilities, including the Bank Secrecy Act.
• Perform other duties as assigned to ensure the Bank operates efficiently.

Requirements

• Bachelor’s degree required; degree in business, finance, or management preferred.
• Minimum 5 years of commercial lending experience or 10+ years combined experience in originating, underwriting, and servicing all types of commercial loans, including lines of credit, term loans, and real estate loan transactions.
• Familiarity with structuring, underwriting, servicing, and closing all loan types, including asset-based/borrowing-based lines of credit, real estate loans, and equipment loans.
• Familiarity with SBA and other governmental guaranty programs.

Skills

• Attention to detail, high degree of accuracy, and ability to multi-task, with an understanding of accounting concepts.
• Excellent communication skills (written, verbal, listening) and a desire to problem-solve.
• Proficiency in Microsoft 365 applications.
• Creativity and sales techniques, along with sound judgment in lending decisions, while maintaining confidentiality.
• Self-motivated, enjoys working with people, and willing to interact pleasantly with customers and teammates.
• Ability to function independently and as part of a team working toward common goals.
• Willingness to work extended hours as needed to complete timely loan requests.

Benefits

At Chelsea State Bank, we believe in the power of community and are deeply committed to positively impacting where we live and work. Our team of dedicated and professional individuals thrives in an employee-focused, collaborative, and winning culture. Employees feel respected, have opportunities to learn and grow, and maintain a positive work/life balance. We strive to be Michigan’s premier independent community bank, where banking is simple and relationships matter.